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FAQs
How do I speak to a live person at Affirm? ›
To send an email, tap or click the 'Contact us' button below to submit a form. Call us at 855-423-3729 between the hours of 8:00 am and 11:00 pm Eastern Time seven days a week. Chat with us between the hours of 7:00 am and 7:30 pm Eastern Time Monday - Friday.
Why does Affirm keep saying they can't verify my identity? ›If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID.
How do I get my Affirm account back? ›If you've closed your Affirm Card account, you can request that your account be reopened. Once your account has been reopened, you'll need to set up your account and complete onboarding before your account is ready to be used. To request that your account be reopened, click the contact us button below.
Why won't Affirm let me log in? ›Try to log in using a different device or browser that is reasonably current or up to date. For example; Google Chrome, Microsoft Edge, Mozilla Firefox, or Apple's Safari are common web browsers. Clear your cookies and cache on your browser and try again.
How do you resolve problems with Affirm? ›Click on the loan you'd like to dispute and navigate to the Details section. Click Dispute this purchase at the bottom of the page. Complete all required fields and provide as much detail as possible to help our team resolve the issue faster.
How do I connect to Affirm? ›Go to affirm.com or open the Affirm app, then click or tap Sign in. Enter the mobile number you used to create your account, then click Continue or tap Confirm. Enter the 4-digit code we texted to that mobile number.
Why is Affirm not approving me? ›Your loan application may be affected by any or all of the following: Your credit score. Your credit utilization. Your payment history with Affirm, including overdue payments, deferred payment, and loan delinquency.
What is the minimum credit score for Affirm? ›Loan limits vary by merchant and will depend on your credit record and payment history with Affirm. The lender has no minimum credit score to qualify for a loan, and checking whether you prequalify will not damage your credit score.
Will I ever be able to use Affirm again? ›Past loans through Affirm do not guarantee future approvals. Each loan is considered separately, and it's important to keep certain factors in mind: Your history with Affirm, including the number of loans you currently have with us, late or deferred payments or current or previous loans, and any charged-off loans.
What happens if you never pay Affirm back? ›Article Details
Affirm never charges late fees, but if you've stopped making payments for more than 120 days, we may charge off your loan. Once a loan has been charged off, it may be sent to a third-party collections agency at any time. Charge-offs may appear on your credit report and must still be repaid.
Can I delete my Affirm account and make a new one? ›
Closing your Affirm Money™ account doesn't affect your Affirm account—you'll still be able to do things like shop and pay over time with Affirm and make payments on any Affirm loans you have. However, once you close your Affirm Money™ account, you won't be able to open a new one.
How to get Affirm to approve you again? ›Article Details
- Make sure you meet all eligibility requirements, including age and residency.
- Be aware of your credit history, including your current score and debt obligations, both with Affirm and other creditors.
- Help us understand your financial situation better by verifying your income.
If Affirm detects suspicious activity, we may lock your card and account. To regain access, tap the 'contact us' button below to get in contact with us in order to remove this lock on your account. Affirm Card management is only available on the Affirm app.
Why is Affirm not working? ›Checkout errors can occur due to a number of reasons, examples being improper integration, configuration, using the incorrect API key, or your account not being yet set live.
Why can't Affirm confirm my identity? ›When information does not match what is on public record, we are unable to approve an application. If you believe there is incorrect information in your application, click the “Contact us” button at the bottom of the page.
How do I speak to someone at Melio? ›In app - live chat
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As security experts who have used Affirm several times, we've found that Affirm is generally safe. So, yes, it's a real payment option from a trusted fintech company. However, we also noticed several things that might make Affirm risky for some customers.